Financial transaction processing with digital artifacts and multiple payment methods using a server

ABSTRACT

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application is a continuation of application Ser. No. 14/179,952filed on Feb. 13, 2014, titled “FINANCIAL TRANSACTION PROCESSING WITHDIGITAL ARTIFACTS AND A DEFAULT PAYMENT METHOD USING A SERVER” which isa continuation and claims priority to application Ser. No. 13/708,098,filed Dec. 7, 2012, titled “FINANCIAL TRANSACTION PROCESSING WITHDIGITAL ARTIFACTS USING A MOBILE COMMUNICATIONS DEVICE” now U.S. Pat.No. 8,688,526 which is a continuation and claims priority to applicationSer. No. 11/948,903, filed Nov. 30, 2007, titled “METHOD AND SYSTEM FORCONDUCTING AN ONLINE PAYMENT TRANSACTION USING A MOBILE COMMUNICATIONDEVICE” now U.S. Pat. No. 8,352,323, all of which are incorporated byreference herein in its entirety.

FIELD OF INVENTION

The present invention relates to data communications and wirelessdevices.

BACKGROUND OF THE INVENTION

Mobile communication devices—e.g., cellular phones, personal digitalassistants, and the like—are increasingly being used to conduct paymenttransactions as described in U.S. patent application Ser. No.11/933,351, entitled “Method and System For Scheduling A BankingTransaction Through A Mobile Communication Device”, and U.S. patentapplication Ser. No. 11/467,441, entitled “Method and Apparatus ForCompleting A Transaction Using A Wireless Mobile Communication Channeland Another Communication Channel, both of which are incorporated hereinby reference. Such payment transactions can include, for example,purchasing goods and/or services, bill payments, and transferring fundsbetween bank accounts.

BRIEF SUMMARY OF THE INVENTION

In general, this specification describes a method and system forconducting an online payment transaction through a point of sale device.The method includes receiving input from a user selecting an item forpurchase through the point of sale device; calculating a total purchaseamount for the item in response to a request from the user to purchasethe item; and sending payment authorization for the total purchaseamount from the point of sale device to a payment entity, in which thepayment authorization is sent to the payment entity via a mobilecommunication device of the user. The method further includes receivinga result of the payment authorization from the payment entity throughthe mobile communication device; and completing the payment transactionbased on the result of the payment authorization.

Particular implementations can include one or more of the followingfeatures. The point of sale device can be a desktop computer, a laptopcomputer, or a terminal. The mobile communication device can be acellular phone, a wireless personal digital assistant (PDA), or a laptopcomputer. The cellular phone can be an NFC-enabled phone. Sendingpayment authorization for the total purchase amount from the point ofsale device to a payment entity can include sending the paymentauthorization securely to the payment entity. The payment entity can bea person, a computer system, or a bank. The method can further includemaintaining a shopping list on the mobile communication device of theuser, in which the shopping list includes a listing of one or more itemsto be purchased by the user. The payment authorization can be anauthorization for payment with a credit card, a debit card, or a prepaidcard.

The details of one or more implementations are set forth in theaccompanying drawings and the description below. Other features andadvantages will be apparent from the description and drawings, and fromthe claims.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 illustrates a block diagram of a communication system including awireless mobile communication device and a management server inaccordance with one implementation.

FIG. 2 illustrates one implementation of the wireless mobilecommunication device of FIG. 1.

FIG. 3 is a method for conducting a payment transaction using a point ofsale device in accordance with one implementation.

FIG. 4 illustrates a block diagram of a communication system including awireless mobile communication device and an online store in accordancewith one implementation.

FIG. 5 is a block diagram of a data processing system suitable forstoring and/or executing program code in accordance with oneimplementation.

Like reference symbols in the various drawings indicate like elements.

DETAILED DESCRIPTION OF THE INVENTION

FIG. 1 illustrates one implementation of a communication system 100. Thecommunication system 100 includes a hand-held, wireless mobilecommunication device 102 a point-of-sale device 104 and a managementserver 106. In one implementation, the mobile communication device 102includes a mobile application (discussed in greater detail below) thatpermits a user of the mobile communication device 102 to conduct paymenttransactions. Payment transactions can include, for example, usingcontactless payment technology at a retail merchant point of sale (e.g.,through point of sale device 104), using mobile/internet commerce (e.g.,purchase tickets and products, etc.), storage of payment information andother digital artifacts (e.g., receipts, tickets, coupons, etc.),storage of banking information (payment account numbers, security codes,PIN's, etc.), and accessing banking service (account balance, paymenthistory, bill pay, fund transfer, etc.), and so on. The mobilecommunication device 102 can be a cellular phone, a wireless personaldigital assistant (PDA), a laptop computer, or other wirelesscommunication device. The point of sale device 104 can be a desktopcomputer, laptop computer, terminal, or other device that is configuredto receive user input selecting items for purchase or other transaction.

In one implementation, authorizations for payment transactions that aremade through the point of sale device 104 are sent from the point ofsale device 104 to an issuer authorization (e.g., management server 106)through the mobile communication device 102 (as shown in FIG. 1). In oneimplementation, an issuer authorization is a payment entity that eitherapproves or disapproves a payment transaction. An issuer authorizationcan be, e.g., a person, computer system, bank (or other third party).One potential benefit of having payment authorizations flow through themobile communication device 102 is that sensitive user information (e.g.account numbers, pin numbers, and/or identity information) need only besent from the mobile communication device 102 directly to an issuerauthorization. Such operation reduces the potential for identity theftand/or fraudulent purchases made through a point of sale device. Forexample, (in one implementation) payment authorizations cannot be sentto an issuer authorization if the mobile communication device 102 isturned off.

FIG. 2 illustrates one implementation of the mobile communication device102. The mobile communication device 102 includes a mobile application200 that (in one implementation) is provided to the mobile communicationdevice 102 through a remote server (e.g., management server 106). In oneimplementation, the mobile application is a Mobile Wallet applicationavailable from Mobile Candy Dish, Inc., of Alameda, Calif. In oneimplementation, the mobile application is a hosted service, as describedin U.S. patent application Ser. No. 11/939,821, entitled “Method andSystem For Securing Transactions Made Through a Mobile CommunicationDevice”, which is incorporated herein by reference. In oneimplementation, the mobile application 200 is configured to sendrequests to the management server for artifacts based on user input,e.g., received though a keypad (not shown) of the mobile communicationdevice 102. Requests to the management server 106 can also be automated,via proximity-based services, e.g., consumer tapping (or in closeproximity) an LBS/contactless/RFID enabled phone against a smart poster(RFID/Bluetooth/LBS enabled, etc.), kiosk, or other device.

In one implementation, the mobile application 200 running on the mobilecommunication device 102 is configured to receive artifacts (e.g.,advertisements, receipts, tickets, coupons, media, content, and so on)from the management server 106. In one implementation, the managementserver 106 sends artifacts to the mobile application based on userprofile information and/or a transaction history (or payment trends)associated with a user of the mobile communication device 102 asdescribed in U.S. patent application Ser. No. 11/944,267, entitled“Method and System For Delivering Information To a Mobile CommunicationDevice Based On Consumer Transactions”, which is incorporated herein byreference.

In one implementation, the mobile communication device 102 is anNFC-enabled phone. The mobile communication device 102 can beNFC-enabled, for example, through an embedded chip or a sticker that isaffixed to the cellular phone, as described in U.S. application Ser. No.11/933,321, entitled “Method and System For Adapting a Wireless MobileCommunication Device For Wireless Transactions”, which is incorporatedherein by reference. In one implementation, the NFC chip (or sticker) onthe cellular phone can be used in conjunction with a merchant's point ofsale device as described in greater detail below.

For example, with reference to FIG. 4, in one implementation, the NFCchip (or sticker) on the cellular phone can communicate with NFC chipsthat are installed on the front of PC's (TV's, Kiosks, or any otherdevice) and serve as scanners/readers. In this implementation a mobilecandy dish applet (e.g., MCD POS plugin 414) is installed on theconsumer's computer (e.g., PC 404) which interfaces with the NFC chip onthe PC. When a consumer (or user) is shopping online and they are readyto pay for their products, the consumer opens his mobile wallet andselects one of the payment methods (e.g., credit card, debit card,prepaid card, etc.) from their mobile wallet. If a default card has beenselected already, this step is not necessary. The consumer then wavestheir phone over the NFC reader present on the PC 404. The consumer'spayment credentials are transferred from the phone to the merchantwebsite (e.g., online store application 410) using a communicationprotocol between the chip in the phone and the chip in the PC, which canbe radio frequency for example. If the consumer has coupons in theirmobile wallet the consumer can either elect to manually apply thecoupon, save the coupon for a future use (against a larger purchase forexample), or have the coupon automatically applied during thetransaction and the transaction amount is updated. After the consumerenters any necessary validation information (e.g., pin) to provide amulti-factor authentication and confirms the transaction, the onlinepurchase is processed as normal by the merchant's online processor. Themobile wallet can retrieve transaction data, account balance from themanagement server 408.

In one implementation, the mobile communication device 102 is a nonNFC-enabled phone. In this implementation, the consumer connects hisphone to the PC 404 via some non radio frequency method (e.g., IR,Bluetooth, USB cable, etc.). When a consumer is shopping online and theyare ready to pay for their products, the consumer opens his mobilewallet and selects one of the payment methods (e.g., credit card, debitcard, prepaid card, etc.) from their mobile wallet. If a default cardhas been selected already, this step is not necessary. The consumer thenpushes, e.g., a “Buy now” button and the consumer's payment credentialsare transferred from the phone to the merchant website (e.g., onlinestore application 410) using the protocol between the phone and the PC404 which can be radio frequency, for example. If the consumer hascoupons in their mobile wallet the consumer can either elect to manuallyapply the coupon, save the coupon for a future use, or have the couponautomatically applied during the transaction and the transaction amountis updated. After the consumer enters any necessary validationinformation (e.g., pin) to provide multi-factor authentication andconfirms the transaction, the online purchase is processed as normal bythe merchant's online processor. The mobile wallet can retrievetransaction data and account balance from the management server 408.

In one implementation, the management server 408 and merchant portal(e.g., online store 408) are maintained by trusted parties and use anencrypted tunnel to transfer financial data. When the consumer is readyto pay for their online product, they enter their cell phone number onthe merchant portal. The merchant portal (which has an MCD applet (e.g.,MCD POS plugin 414) installed on its server) securely connects to themanagement server 408 (that in one implemetation is maintained by MobileCandy Dish (MCD)). In one implementation, the management server 408identifies the consumer through their cell phone number, and verifiesthe consumer's authenticity by sending a unique transaction code to theconsumer mobile wallet on their cell phone. The consumer then entersthis unique transaction code onto the merchant's web portal. Themerchant portal sends this transaction number to the management server408 for authentication. Upon authentication, the consumer's virtualwallet and payment methods (e.g., credit card, debit card, prepaid card,etc.) are securely retrieved from the management server 408 and aredisplayed to the consumer in a window on a website associated with themerchant portal. The consumer selects one of these payment methods topay for their transaction. If a default card has been selected already,this step is not necessary. If the consumer has coupons in their mobilewallet the consumer can either elect to manually apply the coupon, savethe coupon for a future use, or have the coupon automatically appliedduring the transaction and the transaction amount is updated. After theconsumer enters any necessary validation information to provide amulti-factor authentication and confirms the transaction, the onlinepurchase is processed as normal by the merchant's online processor. Themobile wallet can retrieve transaction data, account balance from themanagement server 408.

Referring to FIG. 2, in one implementation, the mobile application 200maintains a shopping list 202 for a consumer. Accordingly, consumershave the ability to store their shopping list in their mobile wallet andadd, delete, or change items on their shopping list either in offline oronline mode. In one implementation, consumers are sent coupons based onitems on their shopping list, preferences, previous shopping history,proximity to the physical retail store, or a combination of theseparameters, as discussed in application Ser. No. 11/944,267, which isincorporated by reference above. If the consumer has coupons in theirmobile wallet the consumer can either elect to manually apply thecoupon, save the coupon for a future use, or have the couponautomatically applied during the transaction and the transaction amountis updated. When a consumer wants to order the items on their shoppinglist via an on online merchant (in contrast to a physical retail store),the consumer can logon to the merchant portal and electronicallytransmit their shopping list to the merchant portal either by wavingtheir phone over NFC enabled PC's or some other connection such as IR,bluetooth, USB, or the like.

FIG. 3 illustrates a method 300 for conducting a payment transactionusing a point of sale device (e.g., point of sale device 104). Userinput is received selecting one or more items for purchase (e.g., at thepoint of sale device) (step 302). In general, the transaction being madeat the point of sale device can be any type of transaction that involvesthe exchange or transfer of funds—e.g., the transaction can be a paymenttransaction, a fund transfer, or other type of transaction. In responseto a request from the user to purchase the one or more items, a totalpurchase amount for the one or more items is calculated (e.g., by thepoint of sale device) (step 304). If the user has coupons in theirmobile wallet the user can either manually apply the coupon or have thecoupon automatically applied during the transaction and the transactionamount is updated. The user request to purchase an item can be received,e.g., by a user clicking on a “buy now” icon that is displayed on agraphical user interface of the point of sale device. Paymentauthorization for the total purchase amount is sent to a payment entitythrough a mobile communication device of the user (step 306). A resultof the payment authorization is received at the point of sale devicefrom the payment entity via the mobile communication device (step 308).The payment transaction is completed based on the result of the paymentauthorization (step 310). If the payment transaction was authorized bythe payment entity, then the sale of the items through the point of saledevice is completed. Otherwise, if the payment transaction was notauthorized by the payment entity, then the point of sale deviceterminates the payment transaction.

FIG. 4 illustrates an example payment transaction being made in acommunication system 400 in accordance with one implementation. Thecommunication system 400 includes a mobile communication device 402, apersonal computer (PC) 404, an online store 406, and a core (ordatastore) 408. As indicated by interaction (1), a user (or customer),using a phone (e.g., mobile communication device 402 or personalcomputer 404), browses an online store website (online store application410) and finds an item that the customer wishes to purchase. This couldalso be a purchase made through a midlet application (POS midlet 412)residing on the mobile communication device 402. The user then goes to,e.g., a checkout of the online store 406 make a purchase. If the userhas coupons in their mobile wallet the user can either manually applythe coupon or have the coupon automatically applied during thetransaction and the transaction amount is updated. When it comes time toauthorize the purchase, (in one implementation) the user is given anoption to purchase with the mobile communication device 402. In oneimplementation, the mobile communication device 402 is an NFC-equippedphone (or NFC phone).

In interaction (2), when the user chooses to purchase with the mobilecommunication device 402, the online store application 410 sends thetransaction information for authorization to the POS vendor plugin(e.g., MCD POS plugin 414). In one implementation, the POS vendor pluginis installed in the merchant's online store and enables the merchant toaccepts MCD Blaze payments as an alternative form of payment, similar toaccepting credit cards for payment. As shown by interaction (3), the POSvendor plugin formats, encrypts, and cryptographically signs thepurchase authorization request which is sent via a secure SSL link(e.g., HTTPS, Bluetooth, IR, USB, or other suitable protocol)established by the browser/web application 416 back to the mobilecommunication device 402. As with the first scenario, all communicationsis over secure channels. (It may be required that the mobile walletapplication be opened prior to beginning a phone online purchase.) ThePOS midlet 412 is a component of the mobile wallet application thatexecutes PayPass or other payment authorization protocol between itselfand the SE payment applications on the mobile communication device 402(interaction (4)). The results of the request are sent back to the POSvendor plugin.

As shown by interaction (5), the POS midlet 412 then forwards theproperly formatted authorization request to a payment entity (e.g.,issuer authorization 418) for authorization. The results of the requestare then sent back to the POS component of the mobile wallet. Throughinteraction (6), the POS midlet 412 then forwards the results back tothe MCD POS plugin 414 to complete the purchase. The MCD POS plugin 414then forwards the purchase transaction information to the managementserver 408 for later customer viewing (interaction (7)). As indicated byinteraction (8), users (or customers) will then be able to query themanagement server 408 and immediately obtain purchase information,either by phone or PC.

One or more of method steps described above can be performed by one ormore programmable processors executing a computer program to performfunctions by operating on input data and generating output. Generally,the invention can take the form of an entirely hardware embodiment, anentirely software embodiment or an embodiment containing both hardwareand software elements. In one implementation, the invention isimplemented in software, which includes but is not limited to firmware,resident software, microcode, etc. Furthermore, the invention can takethe form of a computer program product accessible from a computer-usableor computer-readable medium providing program code for use by or inconnection with a computer or any instruction execution system. For thepurposes of this description, a computer-usable or computer readablemedium can be any apparatus that can contain, store, communicate,propagate, or transport the program for use by or in connection with theinstruction execution system, apparatus, or device. The medium can be anelectronic, magnetic, optical, electromagnetic, infrared, orsemiconductor system (or apparatus or device) or a propagation medium.Examples of a computer-readable medium include a semiconductor or solidstate memory, magnetic tape, a removable computer diskette, a randomaccess memory (RAM), a read-only memory (ROM), a rigid magnetic disk andan optical disk. Current examples of optical disks include compactdisk—read only memory (CD-ROM), compact disk—read/write (CD-R/W) andDVD.

FIG. 5 illustrates a data processing system 500 suitable for storingand/or executing program code. Data processing system 500 includes aprocessor 502 coupled to memory elements 504A-B through a system bus506. In other implementations, data processing system 500 may includemore than one processor and each processor may be coupled directly orindirectly to one or more memory elements through a system bus. Memoryelements 504A-B can include local memory employed during actualexecution of the program code, bulk storage, and cache memories thatprovide temporary storage of at least some program code in order toreduce the number of times the code must be retrieved from bulk storageduring execution. As shown, input/output or I/O devices 508A-B(including, but not limited to, keyboards, displays, pointing devices,etc.) are coupled to data processing system 500. I/O devices 508A-B maybe coupled to data processing system 500 directly or indirectly throughintervening I/O controllers (not shown).

In one implementation, a network adapter 510 is coupled to dataprocessing system 500 to enable data processing system 500 to becomecoupled to other data processing systems or remote printers or storagedevices through communication link 512. Communication link 512 can be aprivate or public network. Modems, cable modems, and Ethernet cards arejust a few of the currently available types of network adapters.

Although the present invention has been particularly described withreference to implementations discussed above, various changes,modifications and substitutes are can be made. Accordingly, it will beappreciated that in numerous instances some features of the inventioncan be employed without a corresponding use of other features. Further,variations can be made in the number and arrangement of componentsillustrated in the figures discussed above.

What is claimed is:
 1. A method for processing a contactless paymenttransaction, comprising: maintaining, at a remote management server, aplurality of payment methods; receiving at the remote management servera payment account identifier from a point of sale terminal over a thirdcommunication channel, wherein the point of sale terminal receives thepayment account identifier over a second communication channel thatutilizes contactless communication from a payment application, whereinthe payment application receives the payment account identifier selectedfrom a plurality of payment account identifiers through user input via amobile device display, the payment application maintaining the paymentaccount identifier in a mobile device memory included in a mobiledevice, wherein the payment application is not browser based and is amobile operating system platform based mobile application with agraphical user interface that is preinstalled or downloaded andinstalled on the mobile device, the mobile device comprising the mobiledevice display, a mobile device processor, a mobile device wirelessinterface that utilizes at least one of CDMA, GSM, or WIFI, wherein afirst communication channel, the second communication channel and thethird communication channel are all different; processing at the remotemanagement server the contactless payment transaction using a paymentmethod corresponding to the payment account identifier; and after thecontactless payment transaction has been processed by the remotemanagement server, transmitting, over the first communication channel, adigital artifact from the remote management server to the paymentapplication for storage on the mobile device and display within aspecific payment application generated screen, wherein the digitalartifact is displayed using the mobile device display, wherein thespecific payment application generated screen corresponds to a specificscreen or area of the payment application.
 2. The method of claim 1,wherein the digital artifact includes metadata operable to trigger acall to action.
 3. The method of claim 1, further wherein prior to thecontactless payment transaction being initiated, receiving, at theremote management server, user authentication information from thepayment application, wherein the payment application stored on themobile device receives the user authentication information via themobile device display of the mobile device and further wherein uponreceipt of the user authentication information, authenticating, at theremote management server, the user associated with the userauthentication information.
 4. The method of claim 3, wherein the userauthentication information includes biometric data.
 5. The method ofclaim 4, wherein the user authentication information is a personalidentification number (PIN).
 6. The method of claim 1, wherein a couponis redeemed during the transaction.
 7. The method of claim 1, furtherwherein the remote management server selects the digital artifact basedon one or more targeting parameters, wherein the targeting parameterscomprises personal information and/or financial transaction relatedinformation.
 8. The method of claim 1, wherein the digital artifact isan advertisement, receipt, ticket, coupon, media, or content received atthe payment application.
 9. The method of claim 7, wherein personalinformation comprises location, gender, age, interest, affiliation,userid, pageid, zip code, area code, and occupation.
 10. The method ofclaim 7, wherein the financial transaction related information comprisesfinancial information related to historical payment transactions,financial information related to real-time payment transactions,financial information related to contactless transactions made using asecure element coupled to the mobile device, financial informationrelated to internet commerce, financial information related to bill pay,financial information related to top spend categories, merchants,financial information related to storage of banking information,financial information related to account balance, financial informationrelated to payment history, financial information related to fundstransfer, financial information related to tickets, financialinformation related to receipts, financial information related tocoupons transactions made by the user but not through the mobile device,and financial information related to raw data downloaded from banks. 11.The method of claim 1, wherein the mobile device has a secure elementincluding a secure element processor configured for near fieldcommunication transaction processing, a secure element memory thatmaintains a secure element application, and a secure element near fieldcommunication transceiver.
 12. A remote management server for processinga contactless payment transaction, comprising: a remote managementserver memory that maintains a plurality of payment methods; a remotemanagement server interface configured to receive a payment accountidentifier from a point of sale terminal over a third communicationchannel, wherein the point of sale terminal receives the payment accountidentifier over a second communication channel that utilizes contactlesscommunication, from a payment application, wherein the paymentapplication receives the payment account identifier selected from aplurality of payment account identifiers through user input via a mobiledevice display, the payment application maintaining the payment accountidentifier in a mobile device memory included in a mobile device,wherein the payment application is not browser based and is a mobileoperating system platform based mobile application with a graphical userinterface that is preinstalled or downloaded and installed on the mobiledevice, the mobile device comprising the mobile device display, a mobiledevice processor, a mobile device wireless interface that utilizes atleast one of CDMA, GSM, or WIFI, wherein a first communication channel,the second communication channel and the third communication channel areall different; a remote management server processor configured to:process the contactless payment transaction using a payment methodcorresponding to the identification code associated with the user; andafter the contactless payment has been processed by the remotemanagement server, a remote management server transceiver that transmitsover the first communication channel a digital artifact to the paymentapplication for storage on the mobile device and display within aspecific payment application generated screen, wherein the digitalartifact is displayed using the mobile device display, wherein thespecific payment application generated screen corresponds to a specificscreen or area of the payment application.
 13. The remote managementserver of claim 12, wherein the digital artifact includes metadataoperable to trigger a call to action.
 14. The remote management serverof claim 12, further wherein prior to the contactless paymenttransaction being initiated, receiving, at the remote management server,user authentication information from the payment application, whereinthe payment application stored on the mobile device receives the userauthentication information via the mobile device display of the mobiledevice and further wherein upon receipt of the user authenticationinformation, authenticating, at the remote management server, the userassociated with the user authentication information.
 15. The remotemanagement server of claim 14, wherein the user authenticationinformation includes biometric data.
 16. The remote management server ofclaim 15, wherein the user authentication information is a personalidentification number (PIN).
 17. The remote management server of claim12, wherein a coupon is redeemed during the transaction.
 18. The remotemanagement server of claim 12, further wherein the remote managementserver selects the digital artifact based on one or more targetingparameters, wherein the targeting parameters comprises personalinformation and/or financial transaction related information.
 19. Theremote management server of claim 12, wherein the digital artifact is anadvertisement, receipt, ticket, coupon, media, or content received atthe payment application.
 20. A non-transitory computer readable mediumfor processing a contactless payment transaction, comprising: computercode for maintaining, at a remote management server, a plurality ofpayment methods; computer code to receive, at the remote managementserver, a payment account identifier from a point of sale terminal overa third communication channel, wherein the point of sale terminalreceives the payment account identifier over a second communicationchannel that utilizes contactless communication from a paymentapplication, wherein the payment application receives the paymentaccount identifier selected from a plurality of payment accountidentifiers through user input via a mobile device display, the paymentapplication maintaining the payment account identifier using the paymentapplication in a mobile device memory included in a mobile device,wherein the payment application is not browser based and is a mobileoperating system platform based mobile application with a graphical userinterface that is preinstalled or downloaded and installed on the mobiledevice, the mobile device comprising the mobile device display, a mobiledevice processor, a mobile device wireless interface that utilizes atleast one of CDMA, GSM, or WIFI, wherein a first communication channel,the second communication channel and the third communication channel areall different; computer code for processing the contactless payment atthe remote management server using a payment method corresponding to thepayment account identifier; computer code for after the contactlesspayment transaction has been processed by the remote management server,transmits from the remote management server-, over the firstcommunication channel, a digital artifact to the payment application forstorage on the mobile device and display within a specific paymentapplication generated screen, wherein the digital artifact is displayedusing the mobile device display, wherein the specific paymentapplication generated screen corresponds to a specific screen or area ofthe payment application.
 21. The method of claim 1, wherein the paymentmethod comprises a credit card, debit card, or prepaid card.
 22. Themethod of claim 1, further wherein the digital artifact can be accessedby the payment application when the mobile device is not connected to awireless network.
 23. The method of claim 22, wherein upon the conditionthat the mobile device loses connection with the wireless network, thepayment application monitors for access to the wireless network andautomatically reconnects to the wireless network when the wirelessnetwork is available.
 24. The remote management server of claim 12,wherein the payment method comprises a credit card, debit card, orprepaid card.
 25. The remote management server of claim 12, furtherwherein the digital artifact can be accessed by the payment applicationwhen the mobile device is not connected to a wireless network.
 26. Theremote management server of claim 25, wherein upon the condition thatthe mobile device loses connection with the wireless network, thepayment application monitors for access to the wireless network andautomatically reconnects to the wireless network when the wirelessnetwork is available.
 27. The method of claim 1, further wherein nosensitive data is stored on the mobile device.
 28. The method of claim27, wherein the sensitive data includes information related to thepayment method.
 29. The method of claim 27, wherein the sensitive dataincludes information related to the user authentication information. 30.The method of claim 1, wherein the remote management server sends thedigital artifact to the payment application based on the geographicallocation of the mobile device.
 31. The method of claim 1, furtherwherein the payment application can be used when the mobile device isnot connected to a wireless network.
 32. The method of claim 1, furtherwherein payment application generates an alert if it has not receivedthe digital artifact within a certain period of time.
 33. The method ofclaim 1, further wherein the same payment application is used in thecontactless payment transaction and storing and displaying the digitalartifact.
 34. The method of claim 1, wherein the remote managementserver is configured to store a single identification code associatedwith the user for a plurality of the user's mobile devices and furtherwherein this means the configuration scales.
 35. The remote managementserver of claim 12, further wherein no sensitive data is stored on themobile device.
 36. The remote management server of claim 35, wherein thesensitive data includes information related to the payment method. 37.The remote management server of claim 35, wherein the sensitive dataincludes information related to the user authentication information. 38.The remote management server of claim 12, wherein the remote managementserver sends the digital artifact to the payment application based onthe geographical location of the mobile device.
 39. The remotemanagement server of claim 12, further wherein the same paymentapplication is used in the contactless payment transaction and storingand displaying the digital artifact.
 40. The remote management server ofclaim 12, wherein the remote management server is configured to store asingle identification code associated with the user for a plurality ofthe user's mobile devices and further wherein this means theconfiguration scales.
 41. The remote management server of claim 12,further wherein the payment application can be used when the mobiledevice is not connected to a wireless network.
 42. The remote managementserver of claim 12, further wherein the payment application generates analert if it has not received the digital artifact within a certainperiod of time.